In Visa Dispute Monitoring Program, what are the Excessive level penalties?

• A. 1000 disputes and 1.8%; fines with tiers starting 1-6 months at 50 per dispute; 12+ months 25K review fee; eligible for disqualification.
• B. Dispute count 100-299; chargeback rate 1.5-2.99%; fines begin in month two.
• C. Dispute count 1000+; no fines.
• D. Dispute count 500; 2% rate; fines begin immediately.

Answer: (A)

Excessive level penalties are charged when dispute activity is extremely high, measured by both the number of disputes and the related chargeback rate. At this level, Visa imposes concrete financial penalties and a potential disqualification path to underscore the seriousness of excessive dispute activity.

Specifically, the thresholds noted describe reaching about 1,000 disputes with a chargeback rate around 1.8%. If you hit that level, fines are assessed with a structure: for the initial period (about 1–6 months) you’re fined per dispute at a set amount, and if the situation persists for 12 months or more, there’s a $25,000 review fee. In addition, continued excessive activity can make you eligible for disqualification from participating in Visa’s dispute processes.

This combination—a high dispute count plus a measurable rate, plus escalating penalties (per-dispute fines, a substantial review fee after a year, and potential disqualification)—is what defines the Excessive level. Other options either propose different thresholds or omit the fines and fees, which don’t align with how the Excessive level penalties are structured.